Program workspace

“Rates and structures vary depending on loan type and borrower qualifications”

“Construction Loans”

“Construction Loans”

“Construction Loans”

“Construction Loans”

“Construction Loans”

“Construction Loans”

“Construction Loans”

“Construction → bridge → SBA 504 conversion path — sponsors can use AVANA-IHG construction for ground-up, then AVANA bridge for stabilization period, then AVANA SBA 504 for permanent (owner-occupied). Three AVANA products, one borrower relationship.”

“For non-multifamily CRE — office, retail, industrial, mixed-use, hospitality. – 75–80% LTV rate-and-term – Recourse typical under $5M; non-recourse possible above – 5–10 year balloon with 25-year amortization – Rate at 7.0–8.0% (May 2026) – Application to close: 60–90 days Best fit: stabilized non-multifamily CRE where the borrower wants permanent debt.”

“Long-term financing for stabilized assets. Ideal for acquisition, refinancing, or property enhancements Explore Conventional Program --> -->”

“Coordination advantage : single lender relationship across bridge → perm transition eliminates the lender-shopping friction at stabilization”

“Our rates and terms are structured to support a wide range of projects Loan Sizes From $1MM to $30MM, covering a full range of commercial programs Flexible Terms Choose from short-term (up to 3 years) or long-term (up to 25 years) options High Leverage Finance up to 75% LTV or 90% total for qualifying SBA 504 structures Market-Indexed Pricing Tied to SOFR, CMT, or Treasury benchmarks with program-specific spreads Extension Options Certain short-term programs offer annual renewal or extension flexibility”

“How you present your deal directly impacts the terms you receive. A well-prepared loan package signals competence and reduces lender risk perception. Include: Executive summary: Property details, purchase price, loan request, and timeline Scope of work: Detailed renovation or improvement budget with contractor bids (for value-add projects) Exit strategy: How you plan to repay the loan (refinance, sale, or stabilization followed by permanent financing) After-repair value (ARV) analysis: Comparable sales and income projections supporting your post-improvement valuation Borrower resume: Your CRE experience, completed projects, and relevant qualifications Lenders who see a clear business plan with realistic assumptions and a defined exit are more likely to offer competitive terms and close quickly.”

“Defaulting to a non-hospitality lender for hotel bridge. Hotel bridge underwriting requires hospitality depth (RevPAR analysis, brand-flag coordination, PIP review). Lenders without hospitality specialization typically quote 100–200 bps higher rates with longer execution.”

“Defaulting to conventional bank perm when agency would be dominant. Stabilized multifamily 5+ units almost always belongs at agency, not bank conventional.”

“Yes. AVANA Capital is a direct national CRE lender with 23+ years of experience and $1.7B+ in closed loans, with hospitality bridge financing backed by a joint venture with Oaktree Capital. AVANA’s deep IHG construction partnership creates additional execution depth on IHG-flagged hotel acquisitions (Holiday Inn Express, Holiday Inn, Candlewood Suites, Staybridge Suites, etc.). AVANA bridge finances IHG, Hilton, Marriott, Hyatt, Choice, Wyndham, and independent boutique hospitality.”

“For acquisition of an existing flagged hotel: yes — most institutional hotel bridge requires franchise approval transfer or new franchise agreement before closing. For brand-flag conversion deals: typically the new flag’s franchise agreement must be executed before closing; the conversion + PIP execution happens during the bridge term. For independent boutique hotels: no franchise required, but lender review of operating plan is more rigorous.”

“We provide construction financing exclusively for franchised hotels within preferred IHG brands: Holiday Inn, Holiday Inn Express, EVEN Hotels, Avid Hotels, Atwell Suites”

“Exit strategy: How you plan to repay the loan (refinance, sale, or stabilization followed by permanent financing)”

“Choosing the right hard money lender for commercial real estate comes down to aligning your deal’s specific needs with a lender’s capabilities, costs, and track record. The most critical factors are total cost of capital (not just the interest rate), property type specialization, demonstrated closing speed, and transparent terms with no hidden fees. Hard money commercial real estate loans serve a vital function in the market: they provide the speed and flexibility that enable CRE entrepreneurs to execute time-sensitive acquisitions, complete value-add business plans, and bridge to permanent financing. The trade-off is a higher cost of capital and shorter loan terms that demand disciplined project management and a clear exit strategy. Data from the Federal Reserve’s Senior Loan Officer Opinion Survey confirms that bank lending standards for CRE remain tight, reinforcing the role of private and hard money lenders in filling the financing gap. At AVANA Capital , we have spent 23+ years originating more than $6.5B in commercial real estate loans across all 50 states. Our partnership with Oaktree Capital for bridge lending provides borrowers with institutional capital, certainty of execution, and a team that understands the nuances of hospitality , multifamily, industrial, and other CRE asset classes. Whether you need bridge financing for an acquisition, construction capital for a ground-up project, or an SBA 504 loan for an owner-occupied property, we structure solutions that align with your business plan and timeline. Let’s discuss your financing needs. Contact our team to explore how we can support your next commercial real estate transaction.”

“Value-add commercial projects, from apartment renovations to retail center repositioning, require capital that traditional lenders are unwilling to provide. Hard money fills this gap by funding both the acquisition and the improvement budget, allowing investors to execute their business plan and capture the spread between purchase price and post-renovation value.”

“Broker Referral Program Refer commercial deals. Earn on every closing. Refer a loan → Resources Learn with AVANA All Insights Bridge Loans Broker Resources Business Loans Case Studies Construction Loans General Info Hospitality Lending Market Trends Owner-Occupied Private Credit ESG & Renewable Energy SBA 504 Loans More Closed Deals & Case Studies News Press Releases Commercial Loan Rates Downloads Simple 7 Checklist SBA 504 Loan Product Sheet AVANA IHG Product Sheet AVANA Oaktree Product Sheet Company Company About Us Our Team Join us → Impact & Partnerships Our Partnerships Social Impact Avana Capital In The Community Connect”

“Broker Referral Program Refer commercial deals. Earn on every closing. Refer a loan → Resources Learn with AVANA All Insights Bridge Loans Broker Resources Business Loans Case Studies Construction Loans General Info Hospitality Lending Market Trends Owner-Occupied Private Credit ESG & Renewable Energy SBA 504 Loans More Closed Deals & Case Studies News Press Releases Commercial Loan Rates Downloads Simple 7 Checklist SBA 504 Loan Product Sheet AVANA IHG Product Sheet AVANA Oaktree Product Sheet Company Company About Us Our Team Join us → Impact & Partnerships Our Partnerships Social Impact Avana Capital In The Community Connect”

“Broker Referral Program Refer commercial deals. Earn on every closing. Refer a loan → Resources Learn with AVANA All Insights Bridge Loans Broker Resources Business Loans Case Studies Construction Loans General Info Hospitality Lending Market Trends Owner-Occupied Private Credit ESG & Renewable Energy SBA 504 Loans More Closed Deals & Case Studies News Press Releases Commercial Loan Rates Downloads Simple 7 Checklist SBA 504 Loan Product Sheet AVANA IHG Product Sheet AVANA Oaktree Product Sheet Company Company About Us Our Team Join us → Impact & Partnerships Our Partnerships Social Impact Avana Capital In The Community Connect”